Apparatuses, methods and systems for a video remote deposit capture platform
AssigneeUnited Services Automobile Association (USAA)
InventorsTeddy Voutour, Bharat Prasad
Life of this patent
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Abstract
The APPARATUSES, METHODS AND SYSTEMS FOR A VIDEO REMOTE DEPOSIT CAPTURE PLATFORM (hereinafter “RDC-Video”) provides a platform for remote deposit by obtaining images of a check from streaming video captured by a video camera, wherein the RDC-Video transforms captured check images and/or entered check deposit information inputs via RDC-Video components into deposit confirmation outputs. For example, in one embodiment, a user may employ a personal computer connected to a web camera, and/or a smartphone with a built-in camera to initiate the remote deposit by holding a check in front of the camera, and the RDC-Video may capture images of the check and send them to a financial institution for deposit processing.
Claims19
A system comprising:
- a memory;
- and
- a processor in communication with the memory, the processor configured to:
- process an image of a financial instrument and obtain a plurality of sample points of the financial instrument;
- process the plurality of sample points to exclude sample points from the plurality of sample points that has at least one of an inner detection distance or an outer detection distance that exceeds a minimal distance constraint;
- calculate a set of corners of the financial instrument based on the processed plurality of sample points;
- crop the image of the financial instrument to exclude portions of the image outside of a shape defined by the set of calculated corners to create a financial instrument image;
- and
- transmit the financial instrument image to a remote financial institution server to deposit funds into an account.
A method comprising:
- processing, with a processor, an image of a financial instrument and obtaining a plurality of sample points of the financial instrument;
- processing, with the processor, the plurality of sample points to exclude sample points from the plurality of sample points that has at least one of an inner detection distance or an outer detection distance that exceeds a minimal distance constraint;
- calculating, with the processor, a set of corners of the financial instrument based on the processed plurality of sample points;
- cropping, with the processor, the image of the financial instrument to exclude portions of the image outside of a shape defined by the set of calculated corners to create a financial instrument image;
- and
- transmitting, with the processor, the financial instrument image to a remote financial institution server to deposit funds into an account.
A non-transitory computer-readable medium comprising computer executable instructions that when executed by a processor cause the processor to:
- process an image of a financial instrument and obtaining a plurality of sample points of the financial instrument;
- process the plurality of sample points to exclude sample points from the plurality of sample points that has at least one of an inner detection distance or an outer detection distance that exceeds a minimal distance constraint;
- calculate a set of corners of the financial instrument based on the processed plurality of sample points;
- crop the image of the financial instrument to exclude portions of the image outside of a shape defined by the set of calculated corners to create a financial instrument image;
- and
- transmit the financial instrument image to a remote financial institution server to deposit funds into an account.
Dependencies are inferred from the claim text.